Home Insurance in Lowell, Oregon
The median home value in Lowell is $406,600, 6% lower than the Lane County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Lowell was built around 1993. About 14% of homes were built before 1960, about 8 points below Lane County's 21%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Lowell is 72% single-family homes, 2% apartments in buildings with 5+ units and 25% mobile or manufactured homes.
In Lowell, about 75% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 84% of occupied homes in Lowell are owner-occupied.
Most homes in Lowell - 85% - are primarily heated with electricity. Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Lowell? FEMA's National Risk Index points to earthquake (Relatively High) in Lane County and Lane County had 2,641 active NFIP flood policies as of September 2026. See the full Lane County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
The statewide average premium for a standard HO-3 homeowners policy in Oregon is $1,003 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $406,600 |
|---|---|
| Median year built | 1993 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 75% |
| Top county hazard | Earthquake (Relatively High) |
| Active NFIP policies in Lane County | 2,641 |
| Home insurance premium | $1,003 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)